--- title: "The Baldwin Group vs USI Insurance Services: Management Liability Insurance" description: "USI describes ExecuSafe as a D&O-focused endorsement program and separately places EPL, fiduciary, crime, and E&O. The Baldwin Group lists D&O, EPL, and fiduciary categories without detailing a bundle. Ask if the desired lines fit one program or need separate policies." canonical: "https://spot.insure/compare/baldwin-vs-usi/management-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-usi" provider-a: "baldwin" provider-b: "usi" coverage-line: "management-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/baldwin-vs-usi/management-liability) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and USI Insurance Services for Management Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Management Liability Insurance questions about The Baldwin Group versus USI Insurance Services. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - The Baldwin Group vs USI Insurance Services for Management Liability Insurance: how do they differ? - Which is better for Management Liability Insurance, The Baldwin Group or USI Insurance Services? - What does The Baldwin Group or USI Insurance Services publish about Management Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Management Liability Insurance from The Baldwin Group or USI Insurance Services? **Key facts:** - Line: Management Liability Insurance. Providers: The Baldwin Group and USI Insurance Services. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [The Baldwin Group vs USI Insurance Services](https://spot.insure/compare/baldwin-vs-usi) — parent: all coverage lines for this pair - [Management Liability Insurance guide](https://spot.insure/coverage/management-liability) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [The Baldwin Group vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Crime Insurance](https://spot.insure/compare/baldwin-vs-usi/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/baldwin-vs-usi/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services D&O Insurance](https://spot.insure/compare/baldwin-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/baldwin-vs-usi/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-usi/representations-warranties) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Surety Bonds](https://spot.insure/compare/baldwin-vs-usi/surety-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/management-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aig-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/management-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/management-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aon-vs-usi/management-liability) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs USI Insurance Services: How Do They Compare for Management Liability Insurance? USI describes ExecuSafe as a D&O-focused endorsement program and separately places EPL, fiduciary, crime, and E&O. The Baldwin Group lists D&O, EPL, and fiduciary categories without detailing a bundle. Ask if the desired lines fit one program or need separate policies. ## How to Use the The Baldwin Group vs USI Insurance Services Management Liability Insurance Comparison Use this comparison to evaluate The Baldwin Group and USI Insurance Services for Management Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## The Baldwin Group vs USI Insurance Services Management Liability Insurance Summary USI describes ExecuSafe as a D&O-focused endorsement program and separately places EPL, fiduciary, crime, and E&O. The Baldwin Group lists D&O, EPL, and fiduciary categories without detailing a bundle. Ask if the desired lines fit one program or need separate policies. USI says it reviews current policies for gaps and directs small and midsize businesses to an email contact for ExecuSafe. The Baldwin Group describes D&O benchmarking and a dedicated team. If you already have coverage, compare how each broker reviews wording before recommending changes. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## What Is the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## What Is USI Insurance Services? USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Management Liability Insurance? Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance") [12](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [13](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") [14](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") [15](https://asset.trvstatic.com/download/assets/pdo-1100w-ind.pdf/d44fa35c63c911eea5a70eda10c0a4d0 "Private Company Directors and Officers Liability Coverage Application") ## What Are the Key Differences Between The Baldwin Group and USI Insurance Services Management Liability Insurance? ### usi: Coverage Structure USI describes ExecuSafe as a D&O-focused endorsement program and separately places EPL, fiduciary, crime, and E&O. The Baldwin Group lists D&O, EPL, and fiduciary categories without detailing a bundle. Ask if the desired lines fit one program or need separate policies. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") ### usi: Audience and Service USI says it reviews current policies for gaps and directs small and midsize businesses to an email contact for ExecuSafe. The Baldwin Group describes D&O benchmarking and a dedicated team. If you already have coverage, compare how each broker reviews wording before recommending changes. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") ## What Should You Confirm in The Baldwin Group and USI Insurance Services Management Liability Insurance Quotes? - Ask USI which ExecuSafe components are on one policy and what its gap review includes. - Ask The Baldwin Group which carriers would issue the proposed forms and how its benchmark uses your current limits. ## The Baldwin Group vs USI Insurance Services Management Liability Compared | Criteria | Baldwin Management Liability Brokerage and Advisory | USI ExecuSafe Management Liability Program | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Management Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | USI brokers management liability as a bundle rather than underwriting it, packaging D&O, employment practices liability, fiduciary liability and crime coverage under its ExecuSafe endorsement program. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article..) | | Issuing Insurer | Confirm in your quote. | USI does not name the insurer for ExecuSafe or its component coverages on the pages reviewed; it describes ExecuSafe as an endorsement package it applies when placing a client's management liability program with the market. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: Article and Business Services page as read on 2026-09-23..) | | Who It’s For | Baldwin’s management-liability page discusses public-company and pre-IPO contexts; its real-estate page identifies owners, managers, REITs, lenders and associations. Neither page states a universal eligibility schedule. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | USI targets small- and medium-sized businesses that it says often lack the time, resources or expertise to evaluate D&O and related management liability risks on their own. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's stated audience..) | | Coverage Features | Baldwin describes management-liability advisory solutions and lists D&O, EPL and fiduciary categories in its real-estate coverage snapshot. This draft does not combine those distinct policies into a guaranteed package. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | USI describes ExecuSafe as addressing a company's D&O and management liability risks together, and separately lists D&O, employment practices liability, fiduciary liability, crime, and errors and omissions/professional liability as coverages its Business Services practice places. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Combines the ExecuSafe article's framing with the Business Services catalogue; actual insuring agreements and exclusions are set by the issued policy..) | | Limits and Retentions | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | Neither the ExecuSafe article nor the Business Services page publishes limit, retention or premium figures for a management liability bundle. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Risk Services | Baldwin describes management-liability advice, D&O benchmarking and support from a dedicated practice team. The benchmarking report is not an account quote or policy term. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | USI says it works with businesses to identify D&O and related management liability risks, review any existing policies for coverage gaps, and secure coverage through ExecuSafe, on top of its Business Services practice's general claim advocacy and risk-control offerings. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [9](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section and Business Services practice description..) | | How to Apply | Confirm in your quote. | USI directs small- and medium-sized businesses to email Select.Business@usi.com to discuss ExecuSafe and management liability risk generally. [8](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article..) | ## Related Pages for The Baldwin Group vs USI Insurance Services - [The Baldwin Group vs USI Insurance Services](https://spot.insure/compare/baldwin-vs-usi): all coverage lines, business roles, service and claims. - [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment-practices and fiduciary coverage, but each part can insure different people, claims and limits. - [The Baldwin Group vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-usi/commercial-property) - [The Baldwin Group vs USI Insurance Services Crime Insurance](https://spot.insure/compare/baldwin-vs-usi/crime) - [The Baldwin Group vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/baldwin-vs-usi/cyber) - [The Baldwin Group vs USI Insurance Services D&O Insurance](https://spot.insure/compare/baldwin-vs-usi/directors-officers) - [The Baldwin Group vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/baldwin-vs-usi/employee-health-benefits) - [The Baldwin Group vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/employment-practices) - [The Baldwin Group vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-usi/fiduciary) - [The Baldwin Group vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-usi/professional-errors-omissions) - [The Baldwin Group vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-usi/representations-warranties) - [The Baldwin Group vs USI Insurance Services Surety Bonds](https://spot.insure/compare/baldwin-vs-usi/surety-bonds) - [The Baldwin Group vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-usi/workers-compensation) - [AIG vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/management-liability) - [AIG vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aig-vs-usi/management-liability) - [Alliance Risk vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/management-liability) - [Alliance Risk vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/management-liability) - [Aon vs The Baldwin Group Management Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/management-liability) - [Aon vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/aon-vs-usi/management-liability) ## Sources for The Baldwin Group vs USI Insurance Services ### Sources About The Baldwin Group 1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28. 2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28. 3. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29.. Accessed 2026-09-30. 4. [Directors & Officers Liability Insurance](https://baldwin.com/business-insurance/solutions/management-liability/). The Baldwin Group; D&O report and advisory team lines 23–32; Nasdaq collaboration with public-company/IPO/SPAC scope lines 38–44; accessed 2026-09-29.. Accessed 2026-09-30. ### Sources About USI Insurance Services 5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 8. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; How USI Can Help: Identify D&O risks; Review existing management liability policies (if any)...(including employment practices liability, fiduciary liability, and crime); Secure appropriate coverage through our ExecuSafe program.. Accessed 2026-09-23. 9. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability, Employment Practices Liability, Crime, Fiduciary Liability, Errors & Omissions/Professional Liability.... Accessed 2026-09-23. ### Sources for the Management Liability Insurance Guide 10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16. 11. [Management Liability Insurance](https://www.thehartford.com/management-liability-insurance). The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16. 12. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16. 13. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16. 14. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16. 15. [Private Company Directors and Officers Liability Coverage Application](https://asset.trvstatic.com/download/assets/pdo-1100w-ind.pdf/d44fa35c63c911eea5a70eda10c0a4d0). Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## The Baldwin Group Review Scores for 2026 Review Score: not enough ratings. The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews). ## USI Insurance Services Review Scores for 2026 Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-usi/management-liability.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)